How we picked
Filtered to funders with Amazon Seller Central integration, FBA-aware underwriting, or e-commerce platform-data models that include Amazon as a supported revenue source. Amazon Lending ranked first because the embedded offer is the cheapest capital available to invited sellers and disbursement-deducted repayment eliminates ACH risk. Wayflyer and Clearco ranked next for FBA sellers who need bigger ticket sizes or aren't Amazon-Lending-invited. Inventory-specific options (Settle, Liberis) included for sellers whose primary need is supplier-payment bridging. Generalist MCA included only as a last-resort fallback. Excluded lenders that can't ingest Amazon settlement reports — they systematically misprice FBA's reserve-and-disbursement timing.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Amazon Lending | Best embedded offer for invited FBA sellers | $1,000 – $750,000 | Funds in 5 business days once accepted | No FICO check — uses Amazon seller history | Apply → |
| Wayflyer | Best when Amazon Lending isn't enough or you're not invited | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Clearco | Best non-dilutive growth capital for Amazon-first brands | $10,000 – $20,000,000 | Funding in 1 – 5 business days | No FICO check — underwrites against revenue data | Apply → |
| Settle | Best for inventory financing on FBA private-label sellers | $25,000 – $5,000,000 | Funding in 1 – 3 days | No FICO check — uses platform data | Apply → |
| Liberis | Best for FBA sellers with strong Amazon revenue but limited credit | $1,000 – $1,000,000+ | Funding in 24 hours | No FICO check — platform data based | Apply → |
| Credibly | Best fast-funding fallback when platform offers aren't available | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best embedded offer for invited FBA sellers
Amazon Lending
Max amount
$750,000
Cost
APR varies (typical 6 – 16% APR for term loans)
Speed
Funds in 5 business days once accepted
Min credit
No FICO check — uses Amazon seller history
Why we picked it
Invite-only program embedded in Seller Central. Underwrites against Amazon sales history, account health metrics, and inventory performance. Repayment auto-deducted from Amazon disbursements before they hit your bank — zero ACH-bounce risk, fully reconciled to actual Amazon revenue. Single fee, no compounding. Always check Seller Central first; if Amazon has invited you, it's almost certainly the cheapest capital you can access. Best for sellers with 12+ months FBA history and clean account health.
The strength
Invitation-only product for Amazon FBA sellers with strong sales history. Repayment via Amazon settlements (auto-deducted). Lower cost than most MCA alternatives. No personal guarantee on standard offers.
The watch-out
Invitation-only — Amazon picks who gets offers. Cannot apply. Funds must be used for Amazon-related business expenses per terms. If Amazon account is suspended, loan terms can accelerate.
Qualifications
12 months
Amazon sales volume drives offers
No FICO check — uses Amazon seller history
#2 · Best when Amazon Lending isn't enough or you're not invited
Wayflyer
Max amount
$20,000,000
Cost
Single fee 3 – 8% of advance
Speed
Funding in 24 hours
Min credit
No FICO check — underwrites against platform data
Why we picked it
Native Amazon integration plus ad-platform data (Amazon Ads, Facebook, Google) for ROAS-aware underwriting. Ticket sizes scale into seven figures, well past where Amazon Lending typically tops out. Specifically built around the FBA inventory-and-PPC cash cycle — capital can be ring-fenced for inventory POs or Q4 ad spend. Single-fee structure, typically 2-8% of advance. The default choice for FBA sellers scaling past the Amazon Lending ceiling.
The strength
Built specifically for e-commerce — underwrites using your Shopify/Amazon/Stripe data, not bank statements alone. Single-fee structure (no compounding factor). Repayment as percentage of daily sales — scales with revenue. Backed by Tiger Global, J.P. Morgan among others.
The watch-out
Only works for e-commerce/DTC brands with verified platform sales. Single fee can equate to 30-60% APR for fast-repaying deals. Some merchants report aggressive renewal pressure.
Qualifications
6 months
$20,000
No FICO check — underwrites against platform data
#3 · Best non-dilutive growth capital for Amazon-first brands
Clearco
Max amount
$20,000,000
Cost
Single fee 6 – 12% of advance
Speed
Funding in 1 – 5 business days
Min credit
No FICO check — underwrites against revenue data
Why we picked it
Originated the e-commerce RBF model and supports Amazon as a primary revenue source. Capital can be ring-fenced for inventory or PPC. Founder-friendly terms with no personal guarantee on standard programs. Strong fit for FBA sellers running multi-SKU private-label catalogs who want a recurring growth-capital partner rather than one-off advances.
The strength
Pioneered revenue-based financing for DTC/e-commerce. Strong brand recognition with founders. No equity, no personal guarantee on standard programs. Built integrations with Shopify, Stripe, ad platforms for automatic underwriting.
The watch-out
Underwent significant cost cuts and pivots in 2023-2024 — product mix has shifted, some prior offerings (Clearco Capital for ad spending specifically) were paused. Single fee can equate to 25-50% APR.
Qualifications
6 months
$10,000
No FICO check — underwrites against revenue data
#4 · Best for inventory financing on FBA private-label sellers
Settle
Max amount
$5,000,000
Cost
Single fee (typical 1 – 3% per invoice for AR financing)
Speed
Funding in 1 – 3 days
Min credit
No FICO check — uses platform data
Why we picked it
Net-60 to net-120 supplier financing — Settle pays your overseas supplier on day 0 (in USD or CNY), you repay Settle 60-120 days later when inventory has shipped, cleared customs, hit FBA, and converted to sales. Solves the single most painful cash mechanic in FBA: paying for inventory months before Amazon disburses against the sales it generates. Cheaper than burning MCA proceeds on a PO.
The strength
Specifically built for e-commerce brands managing supplier payments + AR. Pays your suppliers in 30 days, you repay Settle in 60-120 days. Bundled with bill-pay and accounting integrations.
The watch-out
E-commerce only. Higher revenue minimum than Wayflyer/Clearco. Best fit for brands with international supplier base where payment timing matters.
Qualifications
12 months
$50,000+
No FICO check — uses platform data
#5 · Best for FBA sellers with strong Amazon revenue but limited credit
Liberis
Max amount
$1,000,000+
Cost
Single fee, typical 6 – 12% of advance
Speed
Funding in 24 hours
Min credit
No FICO check — platform data based
Why we picked it
Embedded financing platform that partners with marketplaces and processors to fund SMBs against platform revenue data. Pricing and underwriting account for Amazon's reserve-and-disbursement timing. Useful when Amazon Lending hasn't invited you, your credit is mid-tier, but your Amazon sales history is strong and clean.
The strength
Embedded RBF partner for major platforms (Worldpay, Sage, Barclays, others). Underwrites via partner platform data. Low TIB minimum (4 months). International footprint (UK, US, Europe).
The watch-out
Best offers come via embedded partner integrations — direct application less competitive. Smaller US presence than UK.
Qualifications
4 months
$5,000+
No FICO check — platform data based
#6 · Best fast-funding fallback when platform offers aren't available
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
When Amazon Lending hasn't invited, Wayflyer's onboarding window doesn't fit, and you need capital in 24-48 hours, Credibly funds traditional MCA against bank-statement underwriting. 550+ credit, 6+ months operating, $15K+/mo revenue. Real fallback option for time-sensitive Q4 inventory or PPC pushes, but verify daily ACH math against Amazon's biweekly disbursement timing — the mismatch can squeeze your bank account hard if Q4 sales come in soft.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
Frequently asked questions
- How does Amazon Lending decide who gets invited?
- Amazon hasn't published its underwriting model, but in practice invitations correlate with: 12+ months of selling history, $10K+/mo in Amazon revenue (often higher for branded private label), Account Health Dashboard in good standing (low ODR, no policy violations, low late-shipment rate), and consistent (not spiky) sales trajectory. Sellers with high refund rates, frequent listing suspensions, or heavy promotional revenue dependence often don't get offers even at high GMV. Check Seller Central > Capital regularly; invitations appear and refresh as your metrics change.
- How do I fund inventory ahead of Q4 without overleveraging?
- The right structure depends on your sell-through confidence. For tested SKUs with predictable Q4 history, Settle's net-120 supplier financing is the cheapest tool (pays your supplier, repaid as inventory sells). For new SKUs or aggressive Q4 expansion, Wayflyer or Amazon Lending with ad-spend ring-fencing covers both inventory and PPC. Avoid putting more than 30-40% of trailing six-month Amazon revenue into Q4 inventory financing on unproven SKUs — if Q4 sell-through misses, you'll be paying for unsold inventory through Q1.
- Can I use FBA inventory as collateral for a loan?
- Not in any traditional sense — FBA inventory sits in Amazon warehouses under Amazon's terms of service, which complicates any third-party UCC-1 filing or asset-based lending facility. The closest equivalent is inventory financing structured around the supplier-payment cycle (Settle, Ampla) where the lender is paying your supplier rather than perfecting a security interest in goods already at FBA. For larger established sellers, some asset-based lenders will lend against post-Amazon receivables (the biweekly disbursement) but not against inventory on FBA shelves.
- What revenue do I need to qualify for FBA seller funding?
- Amazon Lending: typically $10K+/mo Amazon revenue and 12+ months history before invitations appear. Wayflyer and Clearco: typically $20K-$50K+/mo and 6+ months selling. Settle: focused on inventory cycles, less about minimum revenue and more about supplier-payment volume. Credibly fallback: $15K+/mo all-channel revenue, 550+ credit, 6+ months. Match yourself at /match to see which structures fit your account today.
Related reading
- Best e-commerce funding 2026
- Best MCA funders for Shopify merchants 2026
- Best MCA funders for DTC brands 2026
- Best MCA funders for e-commerce with Amazon, Stripe, Shopify 2026
- The full 2026 ranking — 100 funders
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.